great to have you all with us. we have to start a discussion like with some definitions what does it mean for consumers of healthcare that it is affordable? >> we serve thousands of consumers. and when we ask that question, they think in terms of what it prevents them from purchasing otherwise. it's always framed in the context of their out-of-pocket expenses, not their total cost. and it's always relative to other things that they would purchase if they did not either have to purchase or obligated to purchase healthcare. so it's variable. it's variable. >> the definition of, in most modern western industrialized countries, it's about six, eight, 10% of your income should be devoted to healthcare not much more than that. in our current healthcare reform bill, for all of the mandate issues; that is, what's the maximum you should have to pay and if you have to pay more than that, then you should sort of be exempted from that mandate, it's about 8, 9, 10% in that range, depending on the various categories. but afforda